X2 on both banks
New bank time
- Thread starter Rusted
- Start date
X2 on both banks
RockMonkey
Suddenly Enthusiastic
Another vote for America First. We've financed four (Five?) cars through them, and our house now too!
jdub
Scrambler
- Location
- Provo, Utah.
Me too! We have two jeeps on a signature loan. Under $300 a month payments for 4 years. I can handle that money on two jeeps a month. The only problem is which do you decide to drive? The reason I'm stoked as well for America First is that they had so many options for money that it was hard not to go with them. Plus, no one out there would give us a loan on a car without checking the blue book value. On older wheelers that scenario doesn't seem to plug into their protocol. AmFirst in my opinion are helping those who want to wheel and DD something older.
chadr
Active Member
- Location
- Hurricane, Utah
Been with Mountain America for 10 years or so now. I love their online bill payments and have never had problems getting loans and such through them. Just went to them to buy my truck and I make the payments online right on my account page. Takes about 1 minute and I am finished transfering the money from one account to the loan account.
I'm very happy with America First CU.....been with them for nearly 13 years now. I've had accounts all over the country (and overseas) when I was active duty military, and AFCU has been one of the best. Financed six vehicles, a few smaller loans, and a second mortgage with absolutely no problems.
waynehartwig
www.jeeperman.com
- Location
- Mead, WA
My lease is coming due on my Rubicon this August, I may just have to go to AFCU and have them carry the note....
...There sure is a lot of people on here that bank there! I wasn't even a member there when they financed my tent trailer. My current bank, Family First, gave me all kinds of grief when I asked them and I was a current member with a higher balance in my account than what I was asking to borrow! They also would only go 5? years? AFCU didn't even want any info from me. They ran a credit report and asked me to open an account (to which I did with only $200). I came back in the next day and picked up a check. ...Plus they went 10 years for 3.9%? I think it was...
...There sure is a lot of people on here that bank there! I wasn't even a member there when they financed my tent trailer. My current bank, Family First, gave me all kinds of grief when I asked them and I was a current member with a higher balance in my account than what I was asking to borrow! They also would only go 5? years? AFCU didn't even want any info from me. They ran a credit report and asked me to open an account (to which I did with only $200). I came back in the next day and picked up a check. ...Plus they went 10 years for 3.9%? I think it was...
jdub
Scrambler
- Location
- Provo, Utah.
Plus, with AmFirst made it easy to transfer funds. I had a guy come over to buy my junk cherokee. He didn't want to carry that kind of cash so he transferred it from his account to mine over the phone. I went and checked on my laptop to make sure it was transferred and it was there as soon as the phonecall ended. They have a simple automated system that does it.
Tacoma
Et incurventur ante non
- Location
- far enough away
Tooele Federal Credit Union has been outstanding.
We had Zion's when we first moved here, and they had fees for everything.
We had Zion's when we first moved here, and they had fees for everything.
Anyone remember a few years back when the banks in Utah tried to pass legislation which would require that Credit unions be treated the same as banks?
Credit Unions got all their customers to call in and kill the bill, arguing that Credit Unions served a niche market, and did not perform the same function as banks did.
I wonder how they would explain how when someone asks for a "new bank" that the majority of people suggest their favorite credit union.
Yes, credit unions have much better rates than banks do . . . but there is a reason why:
They don't have to pay nearly as much in taxes as real banks do.
I can't stand them, especially because all they do is cry when legislation is proposed which would allow the government to tax them on the same level as banks are taxed.
That being said: go with Zions. I own stock, and want it to go up more!
Credit Unions got all their customers to call in and kill the bill, arguing that Credit Unions served a niche market, and did not perform the same function as banks did.
I wonder how they would explain how when someone asks for a "new bank" that the majority of people suggest their favorite credit union.
Yes, credit unions have much better rates than banks do . . . but there is a reason why:
They don't have to pay nearly as much in taxes as real banks do.
I can't stand them, especially because all they do is cry when legislation is proposed which would allow the government to tax them on the same level as banks are taxed.
That being said: go with Zions. I own stock, and want it to go up more!
Tacoma
Et incurventur ante non
- Location
- far enough away
Why should credit unions be taxed more? If people pool their resources as in a credit union, why shouldn't they be treated differently than a bank, which operates for profit???
THe government already gets its money on the front end. Reducing the back-end skimming is a great thing.
THe government already gets its money on the front end. Reducing the back-end skimming is a great thing.
Ever heard of the phrase "the exception that swallowed the rule?"
America First, and the other major Credit Unions are just that.
To form a Credit Union, the people were supposed to have something in common . . . but an exception to the Credit Union requirements allowed people to form Credit Unions and seek customers after the CU was formed.
This exception has now swallowed the rule.
I have no problem with Employee Credit unions, or CU's which are simply people pooling their money AND NOT OPERATING FOR PROFIT.
But that is the key phrase: operating for profit.
Do you honestly believe that America First CU, or the other major ones, don't operate for profit?
How then are they any different from WAMU, Wells Fargo, or Zions?
These major CU's are out there actively soliciting people to join them, and they are making a KILLING because of the CU tax exemptions.
Don't let the term "Credit Union" fool you, the major credit unions out there are simply banks, operating for profit, and not paying taxes.
You would think that more people would be upset about these banks getting out of paying their fair share of taxes . . . but here we are.
EDIT: you aren't out here (PA) are you?
If you are, I hope you aren't driving today.
We got 1" of freezing rain last night . . . this was on top of the 9" of snow we received before the freezing rain hit.
And this morning, we have received another 3" of snow, on top of the freezing rain.
Interstate 79 (that goes to Erie) has been shut down since last night. The salt isn't working on the ice, so the snow plows are dropping their blades on the ice to try and chip it.
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Tacoma
Et incurventur ante non
- Location
- far enough away
You may be right, my experience is limited to my local, rockin' CU.
I am not in favor of current governmental SOP though: take what you can get away with.
no, I am not in PA yet, probably mid-March. I have been watching the weather out there, and it is ugly! P'burgh in crappy weather has just got to be a nightmare. So many of those highways are marginal in good weather anyway!!!! I wonder what Rt.28 is looking like right now LOL
I am not in favor of current governmental SOP though: take what you can get away with.
no, I am not in PA yet, probably mid-March. I have been watching the weather out there, and it is ugly! P'burgh in crappy weather has just got to be a nightmare. So many of those highways are marginal in good weather anyway!!!! I wonder what Rt.28 is looking like right now LOL
RockMonkey
Suddenly Enthusiastic
Customer service, interest rates, customer service, fees, customer service, taxes, customer service, free services, and customer service. I was with Washington Mutual for a while. I sure did hate them. Hated them even more when I asked them to close my account and they asked me which one. I only had one account, but found out I somehow had full access to my older brother's account. I never had anything to do with that account. He set it up himself, and should have been the only one with access to it. Seems that anyone with the same last name who had ever lived at the same address has access to your account. Way to be secure with my money, Washington Mutual.
Every bank I've ever worked with I got the feeling they were just trying to squeeze me for as many fees and interest-dollars as they could get out of me. Credit Unions don't have the same 'feel'. They don't nickel and dime me. They provide a safe and secure place to manage my money while giving me (for free, and often actually paying me) all the services I need to use my money.A tax on credit unions would be a tax on the members of credit unions. It would come out of my pocket directly. Uncle Sam already has enough hands in my pocket. If I can put my money somewhere that keeps more of it tax-free I'm going to do it. Why wouldn't I.
Banks = Darth Vader
Credit Unions = Luke Skywalker.
well said!Customer service, interest rates, customer service, fees, customer service, taxes, customer service, free services, and customer service. I was with Washington Mutual for a while. I sure did hate them. Hated them even more when I asked them to close my account and they asked me which one. I only had one account, but found out I somehow had full access to my older brother's account. I never had anything to do with that account. He set it up himself, and should have been the only one with access to it. Seems that anyone with the same last name who had ever lived at the same address has access to your account. Way to be secure with my money, Washington Mutual.
A tax on credit unions would be a tax on the members of credit unions. It would come out of my pocket directly. Uncle Sam already has enough hands in my pocket. If I can put my money somewhere that keeps more of it tax-free I'm going to do it. Why wouldn't I.
Banks = Darth Vader
Credit Unions = Luke Skywalker.
My experiences with Banks is that they charge for EVERYTHING! My other complaint with Washington Mutual is their new short name, WAMU. I mean give me a break...WAMU...WTF?
Spork
Tin Foil Hat Equipped
- Location
- Saratoga Springs, UT
So it's ok to tax members of a Bank? I don't buy the whole Credit union isn't in it for the money deal. What if a bank decides to call itself a credit union tomorrow? It will give you a whole .005% a year on whatever is in your account just to show you it's a credit union. Is it all the sudden not a bank?A tax on credit unions would be a tax on the members of credit unions. It would come out of my pocket directly. Uncle Sam already has enough hands in my pocket. If I can put my money somewhere that keeps more of it tax-free I'm going to do it. Why wouldn't I.
America First Credit union says on their web page:65 full-service branches, Zions on their page says "Zions Bank operates 133 full-service banking offices in Idaho and Utah. This includes nearly 31 supermarket branches inside Smith's Food and Drug Centers and other grocery outlets."
1 state vs 2 but the numbers make me wonder if AFCU is just a bank that decided to call itself a Credit union.
I just think the whole tax deal is messed up. If this were carried over to other business areas we could set up a grocery union and Maceys can Join but Smiths can't they will sell you milk for 2 cents less and won't have to pay millions in taxes. Then we could say Macey's is looking out for it's customers and Smiths is trying to stick it to you.
I wouldn't say some bank is bad just for being a bank and I wouldn't say some credit union is good just because they are a credit union. I would say things are screwed up if they both act the same and do the same thing and one doesn't have to pay taxes and the other one does.
Don't kid yourself
Banks = Darth Vader
Credit Unions = Anakin Skywalker
waynehartwig
www.jeeperman.com
- Location
- Mead, WA
x2!!
waynehartwig
www.jeeperman.com
- Location
- Mead, WA
well said!
My experiences with Banks is that they charge for EVERYTHING! My other complaint with Washington Mutual is their new short name, WAMU. I mean give me a break...WAMU...WTF?
x2!
Anytime the govt has anything to do with anything, it's f'ed up and ends up costing 5 times more (and that is on a good day, when they don't F it up so bad to cost 10 times more).
Pah'lease...I have accounts in several banks and credit unions. I've been with Bank of America for a very long time, ad have a platinum account - meanign I walk on water with them and they treat me the same way now as they did when I was new to them. I won't stay somewhere that doesn't treat me well. I've got the crdit scores and money to make that happen. If they treat me like crap, I walk out and go somwhere else. I don't care if it's a credit union or bank. I also won't pay anything but bounced check charges, if that. Meaning that if a bank of CU is going to charge me for cashiers/travelers checks, safe deposit boxes, etc., then I'm down the road. ...Especially montly service fees! or inside banking fees!! ... WAMU is still fresh on the brain.. They had fees for EVERYTHING.Anyway, CU's aren't the same as banks and shouldn't be taxed, etc like a bank is - bottom line. CU's are organizations that are ran by their members, in their present community. Banks are business' that are ran by some multi billionaire across the country. How could they be listed as even remotely the same thing?
waynehartwig
www.jeeperman.com
- Location
- Mead, WA
:highfive: no doubt!